Planning for Retirement's Big Gap

You have probably been putting something aside for your retirement for years. And if you are like most people you have a pretty good idea of what you want that retirement to look like. But an unexpected health event can wipe away those dreams and have a potentially devastating effect on your life savings.

Have You Planned for Long Term Care?

You or your spouse are increasingly likely to have a Long Term Care event during your retirement years. But most people don't realize how expensive Long Term Care can be. And contrary to what many people believe the majority of it is not covered by most private health insurance plans or by Medicare.

• Average cost of a Nursing Home is over $70,000 a year*
• Average cost of Home Care Aid is $32.50 per hour*

If you need care for months or years, these costs can quickly drain your retirement savings and put you and your spouses' standard of living at risk.

In contrast, for those people with assets and savings to protect, Long Term Care insurance premiums are something they can fit into their monthly budget without changing their lifestyle. Not having to worry about unwelcome surprises as they get older, is one reason many people turn to Long Term Care insurance to give them peace of mind.

In general, it makes sense to make a Long Term Care plan before you reach retirement age for a number of reasons. For instance:

• The price of coverage is significantly reduced when you purchase at younger ages
• You have the ability to "lock-in" your coverage and underwriting rating while you are still healthy
• You cover your financial exposure to Long Term Care earlier.

However, Long Term Care insurance isn't right for everyone. Work with a Long Term Care specialist to find the type of plan that fits your needs and budget.

Fill out this short form to get your free quotes from the top providers

We don't just offer one solution. We shop all of the major carriers to offer you the best price. With our 35+ years of Long Term Care insurance experience, we'll save you time and money on your Long Term Care Insurance quotes. We only use your personal information to formulate your quotes and discounts. We will also email you a complimentary copy of the 2010 NAIC Shopper's Guide to Long Term Care Insurance so you can learn even more about LTCi.

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Long Term Care insurance is very involved and very specific to each individual situation. It takes a Long Term Care Specialist to match you with the right options companies. Your information will be provided only to a licensed representative of carriers offering Long Term Care insurance in your area.

This is a free service offered by ACSIA Long Term Care, Inc. ACSIA is a leader in the Long Term Care Insurance industry. Our agents value your privacy and the safekeeping of your personal information is our top priority. This website uses a secure connection and all information that you send is 100% safe and will never be sold to any third party companies.